Navigating Through Health Insurance
Pre-Age 65 (ACA/Healthcare.gov)
Typically, if someone retires before Medicare eligibility, their health insurance options are often limited to the Affordable Care Act plans. Navigating Healthcare.gov by yourself can be a daunting task.
Common questions include:
- Which plans include my physician or preferred provider group?
- How much is my premium, deductible or out of pocket maximum?
- Where can I get my prescriptions filled?
- What is MAGI?
We help our clients find a plan that fits their needs, while employing income strategies to keep premiums affordable.
Post-Age 65 (Medicare)
When someone reaches Medicare eligibility, or age 65, Medicare is often their only health insurance option. If the retiree is already taking their Social Security Benefit, they are inundated with direct mail pieces and phone calls offering various health insurance plans. Again, navigating Medicare by yourself can be a daunting task.
Common questions involving Medicare:
- What is the difference between Medicare Part A and Medicare Part B and how much do they cost?
- When can I sign up and how?
- What is the difference between a Medicare Advantage Plan and a Medicare Supplement Plan?
- What is a Medicare Part D Plan?
- Do I need to shop my plan each year and how do I do that?
We help our clients find a Medicare path that fits their needs and we help those with stand-alone prescription plans research their options each year during open enrolment.